| Metric | Western State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +5.5% | -2.4 pts |
| Deposit growth (YoY) | +2.2% | +5.1% | -2.9 pts |
| Loan growth (YoY) | +2.6% | +5.9% | -3.4 pts |
| ROA | 2.01% | 1.26% | +0.7 pts |
| ROE | 15.9% | 12.2% | +3.7 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.49B | $2.11B | $2.21B | $332.1M | $25.5M | 2.01% | 5.33% | 0.82% |
| Q1 2026 | $2.59B | $2.21B | $2.16B | $321.3M | $12.7M | 1.98% | 5.18% | 0.72% |
| Q4 2025 | $2.56B | $2.19B | $2.17B | $309.7M | $43.4M | 1.79% | 5.13% | 1.29% |
| Q3 2025 | $2.40B | $2.03B | $2.15B | $298.9M | $32.3M | 1.79% | 5.13% | 1.19% |
| Q2 2025 | $2.41B | $2.07B | $2.16B | $285.8M | $19.5M | 1.62% | 5.02% | 0.94% |
| Q1 2025 | $2.44B | $2.13B | $2.08B | $276.6M | $8.6M | 1.44% | 4.79% | 0.92% |
| Q4 2024 | $2.34B | $2.03B | $2.07B | $268.7M | $36.6M | 1.63% | 4.69% | 1.07% |
| Q3 2024 | $2.30B | $1.99B | $2.03B | $260.7M | $26.6M | 1.59% | 4.63% | 0.67% |
Loan mix (Q2 2026): real estate $911.2M · commercial $1.26B · consumer $9.8M · securities $70.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.26% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 12.2% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.0% | 59.0% | 16th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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